07/20/2016 Ι declining pension benefits, unsteady employment histories: More and more people threatened at the age of transition to the welfare office. Even with average earnings can expect a retirement lean. Guilt is a failed pension policies. As the pensions fiasco can be prevented.
Let’s call it Birgit. Birgit lives in the future. 2030 will retire. What then behind it: A lifetime of work. 45 contribution years during which she has always earned an average wage.
What now?
When it comes to the plans of the Federal Government is Birgit obtained a pension that is 43 percent of the respective average wage , Today would be 1240 euros – gross, mind you. Of this even contributions to health and nursing care from and the money must be partly still taxed.
Small pension despite long working life? For IG Metall, the dismantling of the State pension is a scandal. She has now presented a concept. For a solidary Reconstructing pension
how it works: strengthening
Statutory pension
the state pension is secure retirement financially. The further lowering of pensions must therefore be stopped. Since the 2000s, the power level of the statutory pension insurance goes back further and further. As an interim goal must be that the level of pensions will remain at least stable. After the performance level of the pension system is expected to increase significantly.
In addition, the pensions must be linked to the general development of income again. The so-called “pension adjustment formula” this prevents currently. This means a gradual depreciation of pensions.
In order to combat poverty in old age low income upgraded with control means and for long-term unemployed back pension contributions be paid.
Solidarity finance
Currently, the state pension will be driven primarily by salaried employees. Many high earners – doctors, lawyers, notaries – are left out, as officials. They all have their own pension funds or get a pension. should order to strengthen the pension system in the long term and to provide financing on a broader basis in future pay all workers in the pension system ( “employment insurance”).
Flexible transitions create
Only 31 percent of employees believe that they can carry out their job until the regular retirement age. Flexible transitions into retirement are therefore essential. With the “collective agreement on flexible transition to retirement” (TV FlexÜ) IG Metall has established an entitlement to partial retirement already up to four per cent of employees. Legislators need to tighten and improve the framework for flexible transitions
Hans -Jürgen Urban (Executive Director) and Jörg Hofmann (first chairman) set in Berlin before the retirement concept of IG Metall. Photo: Christian von Polentz
occupational pension for all
Occupational pensions are a useful complement to the statutory pension. The IG Metall advocates that all employees occupational pensions are built and the financing is wholly or at least partly ensured by the employer. Employers will be obliged by law to offer all employees a company pension scheme (pension scheme). Councils should have a say more in pensions.
No “clash of generations”
In the public debate the issue of pensions is often staged as a “clash of generations”. The IG Metall promotes dialogue between generations and for a solidary pension policy. The aim is a fair balance. Younger people have an interest in a future fixed annuity system . Your careers are often less steady than the older generations. This gives them more difficult to build it sufficient pension rights.
And what it means for Birgit, when the demands of IG Metall are unset? They could, if they 2030 retires, expect considerably more money: namely with more than 1500 euros. In other words, with a pension that largely guarantees their standard of living
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